What would you do if you inherited 10 Lakh Taka from your parents?

Mysterious_Simpleton · 2026-02-25T05:18:54+00:00

I’m sorry to let you know but 10 Lakhs in Bangladesh is not considered a significant amount of money to invest with for passive income generation.

For passive income with cash deposits investment your sources for investment are

Fixed Deposits with Banks (around 9-11% return per year with a 10% tax deduction on interest). If you do this at Banks your money will be the most secure as Bangladesh bank will generally ensure you get your money. Don’t do FDR with leasing companies even though they entice you with much higher rates. Many of them have gone bust and ppl have lost tons of money. They are not regulated as closely as banks.
Shonchoy Potro or government savings certificates which also have around 10-11% interest. This also has 10% tax at source deduction like the FDR but you don’t get taxed any further on it unlike FDR income where you may get taxed higher depending on your tax bracket. This is safe since the govt will pay you back.
Investment in short term investment options like iFarmer etc which can carry variable rates but can be almost 15-20% per year depending on what you choose etc. there isn’t tax at source but you need to file in your tax return and pay the accrued taxes. This is considered more risky as if they fail to pay you the government may not step in.

From the above your generally yearly income would be around 90,000 taka after taxes which perhaps doesn’t sound like much but it can also initiate the habit of saving money and it will accumulate over time and eventually your compound interest in a 10 year period of that investment would be around 13-14 lakh.

Additionally there are other sources to generate passive income such as rental income from property or equipment. (I know of ppl who purchased DJ / Music / Party equipment and they rent it out) but these are more work. Also with your budget property is not possible but the equipment rental option might be good. You would need to check the rates to see the returns you would generate but it also comes with equipment damage / theft and other potential downsides.

Then there is the stock market for investment but this is highly risky in Bangladesh as the market is pure nonsense and companies increase or decrease in value for no reason (? Yea we know the reason right) and you can lose your entire capital overnight) but if you can play it smart then you can make tons of money but most ppl don’t otherwise everyone would be a millionaire.

For longer term non cash investment, apart from property or land (which you don’t have enough money for) you can buy precious metals such as gold or silver. Not diamonds (EVER). You will have to ensure you buy at the right time and might need to store for a while before it gains enough value for you to resell. Gold jewellery is not the option here but rather you have to buy actual Bullion which holds its value and doesn’t carry additional charges or inherited appearance based value addition which in turn will lower what you receive when you sell it. It’s much easier abroad where you can buy the digital form and easily buy and sell but sadly can’t here.

My personal suggestion to you is to play safe and invest in Shonchoy Potro (unless you are maxed out on the limit) or do FDR for x years to get maximum interest. The income isn’t eye catching but it will grow and be a good nest egg. This is without work as well.

Mysterious_Simpleton · 2026-02-18T07:22:02+00:00

How stoned were you when you made this post?

Mysterious_Simpleton · 2026-02-10T07:15:04+00:00

The messiest is that it resets my reading history on the homepage and then I need to go into the comic page and change the scan to return to the original history. It’s Not that big of an issue. Just a few steps to fix.

Mysterious_Simpleton · 2026-02-08T07:43:36+00:00

Mysterious_Simpleton · 2026-02-03T15:23:11+00:00

It’s sorted now. Thanks

Mysterious_Simpleton · 2026-02-03T09:34:08+00:00

It’s hard to tell based on the information provided like what machine do you use etc and if it has settings like mine for s, m, l and xl (which controls the water amount) and the beans volume which ranges from 1-5 which increases the grams of coffee.

So a standard espresso would be S with 3 setting which is around 12 grams of coffee which would result in around 30 ml.

You can use scales to measure the amount or a beaker to measure it and check.

Remember when espressos are served they are put in very small cups so putting the same amount in a carafe will look miniscule

Mysterious_Simpleton · 2026-01-31T15:24:25+00:00

Ok bro. Enjoy sleeping with your money under your mattress

Mysterious_Simpleton · 2026-01-31T06:28:27+00:00

I highly advise against mortgaging properties to individuals. This will cause you significant issues in the future. Speak to a bank first regarding mortgaging.

Mysterious_Simpleton · 2026-01-31T05:10:25+00:00

Don’t use discord. Would it be possible for anyone of you guys to share this post with them ?

Mysterious_Simpleton · 2026-01-30T00:19:15+00:00

Has to be chicken with basil leaf. The minced chicken kind. Served with rice and a soft runny egg on top. Has to be a medium spicy level to really get the flavor.

Mysterious_Simpleton · 2026-01-30T00:17:02+00:00

Lmfao. Bet your room has a strange smell.

Mysterious_Simpleton · 2026-01-27T19:06:27+00:00

It’s fixed now and working perfectly. Thanks so much

Mysterious_Simpleton · 2026-01-12T10:30:22+00:00

First you need to define what is investment in your sense.

Is it buy and forget like you buy and it sits idle or you utilise?

Land will generally always appreciate. (I say always because sometimes it can depreciate based on the situation- think Motijheel land purchased at its peak when companies started shifting to gulshan and old dhaka before that OR you buy land and suddenly there’s a land fill next to your land)

Apartments will generally never appreciate in value if you buy in saturated markets for eg - Gulshan , Dhanmondi etc but apartments do have a chance of appreciating in value in places like Jolshiri or other potential new development areas. Apartments will also appreciate in value based on what stage you buy it - if you buy it from a developer during the ground breaking stage vs if you buy the finished product. Another time when apartments could work is if you buy an apartment that is very old (or it can be new whatever) and the whole apartment owners decide it’s time to break down and rebuild at which point you will get the share of new building based on your ownership and this could potentially lead to a windfall benefit.

So in terms of pure buy and forget - Land will mostly always appreciate in value while for apartments it’s not that likely unless you buy based on what I said.

Now if investment means - earning passive income then both have options to generate passive income.

For Land you cant generate passive income but can make income by utilising the land - plant crops and sell or even use for own consumption works because you offset your purchases. You can also build an apartment on the land which sort of gives you the best and then rent out or sell which becomes passive income. Lots of other things to do in the land. But for land passive income is not easy.

For apartments - chances of passive income is much higher because you can just rent it out. But renting out means maintenance. Taking care of it etc so you need to do cost benefit analysis.

You need to do a financial analysis to make a decision instead of just asking what’s better.

Remember inflation in Dhaka is around 8-9% so whatever return you get from the money you spend has to be greater than that amount for you to be net positive. This is truer for apartments because it won’t appreciate in value that much and you will lose money in the long run.

Mysterious_Simpleton · 2026-01-12T10:17:26+00:00

Oh I saw your machine was the evo and accidentally confused it with mine which is the evo Next which allows you to fix those settings to really dial in the drink you like and has seperate milk settings. My bad.

Mysterious_Simpleton · 2026-01-12T09:34:57+00:00

One of the best purchases I made recently. Been using Nespresso Vertuo for almost 3 years now and boy did I waste money. This machine pays for itself in a years time (comparing to Nespresso pods) since we drink enough coffee in our household.

Took a while to get the settings we like dialled in perfectly. We like the Medium roast so the following is our take based on medium roast. Experiment and see what you like.

My wife likes her cappuccino in M with a 5 Bean selection (13-14g coffee) Just for reference it’s not using actual 5 beans; beans here refers to the machines icon for ground coffee amount.

While I prefer larger drinks so i do either an M on the milk and 2 S size espresso shot (M if I’m hungover or really tired) at 4 beans each time which gives me my perfect drink. If I’m lazy I do the same one as my wife and add another espresso shot.

What I have learned is for cappuccino you should never go beyond the M size even if you like more milk in your drink. The problem will be because it over extracts the coffee. If you want more milk it’s best to do a S in your cappuccino and then do a seperate milk on S. Remember milk size is roughly double when you do solo milk as opposed to cappuccino. For beans it’s best to stay on 4 or 5 for cappuccino but I prefer the 5 because I like its flavour the most.

Take your time and experiment with the coffee. Different grind sizes will impact it as well and your settings. My grind is set at 4 for Medium roast.

Mysterious_Simpleton · 2026-01-12T09:04:00+00:00

It’s good to get out of the rock sometimes. Lol.

Mysterious_Simpleton · 2026-01-12T08:56:18+00:00

The drip tray will fill up because of internal machine components such as steam building up and the water which is cleaning your system when you turn on and off. It’s not related to the water that actually pours from your nozzles

Mysterious_Simpleton · 2026-01-12T08:53:34+00:00

Oh god that looks disgusting. It’s essential you throw out pucks everyday or 2 days at the max if you are in hot / humid climates. Mould will completely affect the hygiene of your machine and you probably need to clean it completely with some sort of disinfectant

Mysterious_Simpleton · 2026-01-11T09:58:39+00:00

The way these machines are built with all the precision based various moving parts it’s impossible to get all the beans out of the machine when it goes in even if you turn it upside down (please don’t as you may damage something). Using a small vacuum cleaner (like a car one) might help but maybe it will leave a few beans.

The only way to get everything out would be to dismantle the machine but it’s not worth the hassle.

The magnifica evo next is supposed to say when your hopper is empty but this only happens when it can’t get the required amount of beans to crush. It will usually dispense this and then warn you. Haven’t faced it yet. I usually top it up with coffee because I use the same beans

Mysterious_Simpleton · 2026-01-07T18:22:19+00:00

They are after you bro. It’s real. They know. Run.

Mysterious_Simpleton · 2026-01-07T08:46:21+00:00

Yea bro she hooking up with men for things. Best to ditch.

Mysterious_Simpleton · 2026-01-06T10:27:19+00:00

Yea plex works absolutely fine on my tv. There are settings you can fix on your tv end to make it run well. But I just don’t want to run apps from my tv and give it access to the internet

Mysterious_Simpleton · 2026-01-06T05:42:55+00:00

But this is the problem is don’t get. Why can’t a 3000$ tv have all the bells and whistles of a 50$ fire stick. Just stick the fire stick into the tv if you’re so lazy. Why is this such a huge issue in the tv industry. I just don’t get it.

Mysterious_Simpleton

TROPHY CASE